You will be ok as you are obviously a genuine tourist ,it is people that are going out and back into Thailand many times only staying out for 1 day then returning, this is what they are clamping down on not genuine tourists
If you have not been doing boarder runs as in out and back in same day , and returned to your home country then there isn't a problem coming in on multiple visa exemptions
you must have a long term visa to get an account, tourist visas are no good for opening bank accounts also dtv's are classed as a tourist visa so no good to get a bank account.
When you say you will be on a 60 day tourist visa ,do you mean you will be applying for a 60 day visa or getting 60 day visa exemption on arrival, because there is a difference.
Apply for a 90 day non O visa this allows you to get s bank account to pay the 800,000bht then extend it for a year, it then renewed every year this is how most people do it ,no need for medical insurance or police checks.
Use Whatsapp registered on a UK number using thai data will allow you UK number to ring if people call you using whats app in UK also messages it works great ,no need to mess about with other apps also if in Thailand and you need to ring any number not on WhatsApp simply register in Thailand with Mytello app you can ring any number world wide for peonies.